According to the old-age insurance system for urban and rural residents, how much old-age insurance premium will the government subsidize?

Participate in residents' pension insurance benefits, mainly including pension and personal account pension insurance. The basic pension standard is the lowest level area determined by the central government, and the pension can be appropriately increased according to the actual situation. All parts of the country should establish a normal and perfect pension system and adjust it every once in a while. Jiangsu Province revised continuously 1 1 year. In addition, the basic pension standard should provide preferential care for those who have paid for more than 15 years and their very old people. For example, in Shanghai, if the payment period exceeds 15 for each full year, it is recommended to get more pension for 20 yuan. Therefore, it is generally recommended not to terminate the payment casually.

Personal account endowment insurance is equivalent to the balance of personal account of endowment insurance divided by 139. The personal account balance of endowment insurance usually comes from individual contributions and government subsidies, and some staff members also have group subsidies. Individual contributions for residents' old-age insurance are very flexible, generally ranging from 100 yuan to several thousand yuan. Personal contributions in Beijing are also high, but at least only 1000 yuan. I firmly believe that most people can register. For people from low-income families, China will also pay part of their personal pressure to ensure that no one is left behind.

According to the national standard payment method of residents' old-age insurance, the payment is made at the level of 100 yuan, and the state subsidy is not lower than that of 30 yuan; According to the following level of payment in 500 yuan, the state subsidy is not lower than that in 60 yuan. In many cities, the higher the payment level, the greater the state subsidies, and the subsidies in various places are between 5%- 10% of the payment level.

The money in the personal account of residents' pension insurance will be counted as interest every year. The country is gradually raising the corresponding personal account bookkeeping interest rate. According to the Notice of Ministry of Human Resources and Social Security and the Ministry of Finance on Standardizing the Bookkeeping Interest Rate of Individual Accounts of Urban and Rural Residents' Basic Endowment Insurance, the Bookkeeping Interest Rate of Individual Accounts of Residents' Endowment Insurance in various places has also been greatly increased. For example, the interest rate of personal accounts in Qinghai Province reached 5.35% last year, and that in Gansu Province reached 5.70%. Compared with the bookkeeping interest rate of 6.69% for employee pension insurance personal accounts, it is actually not much lower.

According to the previous payment of rural social security 100 yuan, it is actually equivalent to paying 100 yuan every year according to the payment standard of residents' old-age insurance. For those who used to pay 100 yuan a year, this payment standard has to be retained. However, in recent years, the annual payment of 100 yuan across the country is only aimed at rural areas where government departments pay social security on their behalf.

According to the system, the annual payment is 100 yuan, and government departments subsidize 30 yuan every year. The fund credited to personal account every year is 130 yuan, and the payment is 15 years. At the age of 60, the fund balance in personal account is 1950 yuan. Regardless of capital interest, the monthly pension insurance in personal account is 1950 yuan.

According to this calculation method, it is actually 100 yuan per year. After 15, you will get 168 yuan every year, which is equivalent to the annual appreciation of 68 yuan, and the annual rate of return is only about 4%. From this data alone, the rate of return is very low. If we only rely on our own rate of return on capital to obtain pension insurance, it is also inconsistent with the original intention of pension insurance policy design.

According to the spirit of relevant provisions in Guo Fa (2014) No.8 document, residents' old-age insurance pension includes personal account pension insurance and pension. Individuals pay part of everything and put it in their personal accounts. This part of the money belongs to them, as well as state subsidies, accounting for about one-third. In fact, 68 yuan, which appreciates every year, is basically a state subsidy; Part of the pension is paid in full by the Finance Bureau and is not linked to the payment standard. Whether you pay according to the minimum standard or the maximum standard, the standard of pension will not change.

For those who pay 100 yuan a year, in fact, they don't rely entirely on receiving 14 yuan's personal account pension insurance every month to live their daily lives. More importantly, after they pay 65,438+000 yuan a year, they are eligible to receive state pension subsidies. This is also representative for people with low payment standards. What does 100 yuan per year mean? That is, city people smoke a pack of cigarettes and villagers sell a chicken.

However, paying this 100 yuan will not only lead to a decline in the price, but also increase its value. This money is not only your own, but also needs to receive state subsidies and 100 diversified pension every month. Even in areas where the monthly pension is now 105 yuan, it is very worthwhile. In less than one year, you can get back the capital you paid 1500 yuan. In economically developed areas, you can get back your payment cost in more than half a year. Naturally, in the economically developed areas at this stage, ordinary people can't pay according to the standard of 100 yuan per year except special people and needy households.

Generally speaking, rural old-age insurance pays 100 yuan every year, and the state subsidizes 30 yuan every year. Monthly personal account pension insurance premium 14 yuan, plus pension, the overall monthly pension insurance premium is below 120 yuan. The reason why it falls below 120 yuan is usually because there is a big gap between regions, and the lowest place is only 120 yuan every month. But at any time, it is very worthwhile to pay 100 yuan of social endowment insurance every year.